| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FINANCIAL SVCS, LLC | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $45K | — | $45K | 3.49% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BMALL NY-CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 1.25% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 106043545 | EMBLEM HEALTH | $19K | — | $19K | 3.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS | — | EMBLEM HEALTH | — | $4K | $4K | 0.70% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FINANCIAL SVCS, LLC | 1133 WESTCHESTER AVENUE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BMALL NY-CENTERSTONE INS & FIN SER | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 1133 WESTCHESTER AVENUE #S229 WHITE PLAINS, NY 106043512 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 4.20% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FINANCIAL SVCS INC | 1133 WESTCHESTER AVENUE SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 18.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL SUITE 400S DALLAS, TX 75251 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.50% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 372 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 372 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 174 | $60K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $23K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 372 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 372 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.